According to the website of Williams Kherkher, there are over 2 million car accidents each year. Seatbelts were designed as a way to reduce the amount of injuries and deaths from these collisions. In order for seatbelts to work as intended, they must be worn properly and be designed in a way that prevents harm.

Seatbelts are designed to be worn in a certain way. Often children, and even some adults, will buckle their seatbelt but then pull the chest restraint around to be behind them, overly loosen the waist restraint, or otherwise alter the placement of the belts to get more comfortable. When this happens the seatbelt will not be able to restrain the passenger as intended. If the belt that goes across your body is moved behind you, then in the event of a collision your upper body will be able to fly forward and hit anything that is in front of you, whether it be another seat or the hard plastic dash. This will also cause excessive strain on your waist when your upper body suddenly jerks forward and back, and can cause whiplash or other brain trauma when your head jerks back into your headrest. Seatbelts were designed to be worn in a specific manner, and if this is changed then they will be unable to protect you.

Even if worn properly, according to the website of Ravid and Associates, there is still the risk of a seatbelt defect. Sometimes it is a design flaw, for example some seatbelts are designed with the release button on the front face of the buckle. In these types of designs, forces involved in a collision can cause the belt to release and leave the passenger exposed as if they were not wearing it at all. If the belts are not designed in a way that evenly distributes the forces then they can cause additional injuries. Sometimes, belts will rip, break free, or will not properly lock and allow the passenger to fly forward unintentionally.

Predatory lending is defined as ‘any lending practice that imposes unfair or abusive loan terms on a borrower’. This means that the lender, or the person who is going to be letting you borrow money, essentially cons you into accepting a loan with terms that hurt you. It could be hidden fees, unnecessary insurance, huge penalties, or any other number of sneaky, shady things that they include without your knowing or make sound way better than they are. According to the website of Gagnon, Peacock & Vereeke, P.C., predatory lending is a cause for wrongful foreclosure. Don’t let those guys get your home. Here are a few signs of predatory and unfair lending to watch out for.

Excessive Fees. If you look at the fees you’re supposed to pay and they feel way overblown, then they probably are. With a typical loan, the fees are somewhere around 1% of the actual loan amount, but with a predatory loan it is inflated to around 5%. Watch out to make sure you aren’t paying more than you need to.

The Switch. Always read that document all the way through before you sign it. Often predatory lenders will ‘bait’ you with a good deal verbally, then do a ‘switch’ and get you to sign a document that is different than what they explained to you. Never sign a second set of documents that won’t be shared with all parties involved, and never leave blanks for the lender to fill in. You will regret it later.

Refinancing Often. Predators will get you to sign an unfavorable loan with the promise that it can always be refinanced later. What they hide is that each refinance will include more fees and can possibly increase your monthly payments and make you lose equity on your home.

Additions. Sometimes a predatory lender will try to get you to add in unnecessary insurance or other products that you either don’t need or are a rip-off on their own. Don’t let them trick you into it, and never let anyone convince you to get a loan for more money than you need or more than you are able to pay off in a reasonable amount of time.

Babies are fragile and must be handled with care once born into the world, but they are even more fragile when still in the womb. Any number of things can disrupt the development of a baby, and even the smallest hiccup in growth at this stage can lead to lifelong health issues. While just being careful, having a good diet, and following the instructions given to you by your doctor go a long way in protecting the health of your unborn child, it is still a good idea to be informed on what can go wrong.

During pregnancy your baby is getting everything they need from you. Everything you eat, drink, and inhale goes to them too. This is why it is incredibly important to eat healthy and avoid things like alcohol and second hand smoke, including medical drugs that have not been approved for use by pregnant women. However, sometimes this can happen accidently. Sometimes women will be taking birth control and still become pregnant. This can have serious consequences. Take Yaz for example – the website of Williams Kherkher states that Yaz can cause an increased risk of blood clots in women. If you were to get pregnant while taking Yaz it is possible for a blood clot to form in the placenta, starving your baby of oxygen and causing poor development or death. Always consult with your doctor before starting to take a medication while pregnant in order to avoid causing harm to your infant.

Even when you take special care during pregnancy and your baby grows and develops to be healthy, there is still the obstacle of birth for them to overcome. Birth is hard for mother and child, and sadly, in the chaos of birth injury to the infant can occur. Cesarean sections are sometimes necessary for the health of mother and child, but can cause the infant to suffer from lacerations, breathing difficulty, or other trauma. Natural births are generally believed to be safer, but vaginal births carry the risk of cerebral palsy. During delivery, even the smallest twist or pull in the wrong direction by the doctor can cause nerve damage to the infant, resulting in lifelong injuries. However, your doctor is still going to be more experienced than you are, and it is important to follow their instructions and consider their recommendations for the sake of your child. Their knowledge can be quite helpful in the difficult event that your child is diagnosed with cerebral palsy.